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Data / Consumer complaints / LJ Ross Associates

LJ Ross Associates: 1,934 CFPB consumer complaints in the last 3 years

LJ Ross Associates drew 1,934 consumer complaints in the CFPB database in the three years to November 6, 2026, and 2,815 since 2013. The largest group, 1,492, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 744. The company responded on time to 99.7% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 1,934Complaints, last 3 years
  • 2,815Complaints, all years
  • 99.7%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Nov 6, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6780
2025749
2024368
2023222
2022142
2021158
2020130
201971
201855
201761
201639
201526
201410
20134

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection1,49277.1%
Credit reporting or other personal consumer reports43322.4%
Debt or credit management60.3%
Checking or savings account10.1%
Credit card10.1%
Vehicle loan or lease10.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed74438.5%
Written notification about debt27314.1%
Incorrect information on your report23111.9%
False statements or representation22311.5%
Took or threatened to take negative or legal action1889.7%
Improper use of your report1226.3%
Problem with a company's investigation into an existing problem794.1%
Communication tactics301.6%
Electronic communications231.2%
Threatened to contact someone or share information improperly110.6%
Credit monitoring or identity theft protection services20.1%
Unauthorized withdrawals or charges20.1%
Charged upfront or unexpected fees10.1%
Confusing or misleading advertising or marketing10.1%
Confusing or missing disclosures10.1%
Didn't provide services promised10.1%
Getting a loan or lease10.1%
Problem with a lender or other company charging your account10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,934100%

States

StateComplaintsShare
Illinois26113.5%
Michigan25513.2%
Florida21010.9%
Maryland1397.2%
Texas1095.6%
Pennsylvania995.1%
Virginia954.9%
Ohio854.4%
New York743.8%
New Jersey673.5%
Wisconsin663.4%
Georgia633.3%
California412.1%
Connecticut311.6%
North Carolina311.6%
Nevada291.5%
Missouri271.4%
District of Columbia231.2%
Indiana211.1%
Tennessee201%
Massachusetts180.9%
Oklahoma170.9%
Iowa160.8%
Minnesota150.8%
Louisiana140.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.